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Abbeville Building and Loan, A State Chartered Savings Bank

Abbeville, LA · Cert 30332

SI · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

90

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

12

Q2 2024Q2 2026peer median

Efficiency

15

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Abbeville Building and Loan, A State Chartered Savings Bank

Abbeville, LA · Cert 30332

SI · FDIC · 1 branch

Q2 2026

$67.9MAssets
$47.2MLoans
$47.0MDeposits
$19.7MEquity
Loan mix
100%RE $45.0M0%C&I $0.0M0%Consumer $0.1MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $42.1M10%Noninterest $4.9MQ3 2024Q2 2026

Market Position · Lafayette, LA · 2026 SOD (annual) · 0.4% share · #27 of 41 inst. · $0.0B of $12.2B

Executive Summary

  • Earnings: ROA of 0.42%, up 55 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 1.31% of loans (-93 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 29.43%, down 47 bps from a year ago.
  • Funding: loans stand at 100.53% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.42%+55 bps YoY

Net Interest Margin (YTD, annualized)

3.29%+25 bps YoY

Efficiency Ratio (YTD, annualized)

87.62%-1,696 bps YoY

Tier 1 Leverage Ratio

29.43%-47 bps YoY

NIM

4.90%Q2 ’244.99%Q2 ’254.94%Q2 ’26-12%+8%

Non-interest income vs. expense

5.09%Q2 ’244.76%Q2 ’254.49%Q2 ’26-6%-18%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.06%0.03%-0.11%-0.13%0.07%0.06%0.25%0.42%+55 bps
Return on Equity0.20%0.11%-0.37%-0.44%0.24%0.22%0.86%1.43%+187 bps
Net Interest Margin3.38%3.26%3.12%3.04%3.10%3.12%3.31%3.29%+25 bps
Efficiency Ratio100.22%99.45%104.03%104.59%99.31%99.07%91.72%87.62%-1,696 bps
Non-Interest Burden3.40%3.23%3.31%3.25%3.07%3.08%2.88%2.66%-59 bps
Growth
Asset Growth (YoY)14.57%11.40%9.50%11.86%3.38%4.50%2.64%2.07%-979 bps
Loan Growth (YoY)18.58%13.30%8.05%5.32%-1.95%-1.36%4.15%5.87%+55 bps
Deposit Growth (YoY)16.24%16.81%13.88%17.53%10.43%6.73%3.66%2.31%-1,522 bps
Asset Quality
Nonperforming Loans / Loans1.51%1.75%1.46%2.24%2.35%1.61%2.51%1.31%-93 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.05%1.04%1.03%0.95%0.91%0.90%0.88%0.83%-12 bps
Allowance Coverage of NPLs0.7x0.6x0.7x0.4x0.4x0.6x0.4x0.6x+0.2x
Capital
Tier 1 Leverage Ratio32.00%31.08%30.64%29.90%29.54%29.33%29.81%29.43%-47 bps
Total Risk-Based Capital43.43%43.10%42.81%40.73%42.21%41.30%39.96%40.48%-25 bps
Equity / Assets30.33%30.87%30.19%29.26%29.38%29.61%29.57%28.99%-26 bps
Liquidity & Funding
Loans / Deposits108.01%105.45%98.79%97.16%95.90%97.45%99.25%100.53%+337 bps
Liquid Assets / Assets19.94%18.65%22.99%23.44%24.64%23.65%22.82%21.52%-191 bps
CRE / Total Capitaln/an/an/an/a65.22%69.86%74.80%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Abbeville Building and Loan, A State Chartered Savings Bank

Abbeville, LA · Cert 30332 · Peer group: banks under $1B in assets (n=581-629)

SI · FDIC · 1 branch

Q2 2026

$67.9MAssets
$47.2MLoans
$47.0MDeposits
$19.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: return on equity trails 90% of banks under $1B in assets (rank 563 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.41%

Rank 525 of 629

Net Interest Margin

3.29%

Rank 397 of 629

Efficiency Ratio

87.62%

Rank 533 of 629

Equity / Assets

28.99%

Rank 58 of 629

Non-interest income vs. expense

$1.2M$3.0MINCOMEEXPENSE
Unfavorable gap of $1.8M · efficiency ratio beats 15% of banks under $1B in assets
Bank 87.62%Peer median 67.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.41%0.60%1.01%1.45%Beats 17%525 / 629
Return on Equity1.42%5.38%9.30%13.28%Beats 10%563 / 629
Net Interest Margin3.29%3.03%3.54%4.05%Beats 37%397 / 629
Efficiency Ratio87.62%58.35%67.79%79.08%Beats 15%533 / 629
Asset Quality
Nonperforming Loans / Loans1.31%0.09%0.46%1.20%Beats 22%452 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio39.68%11.24%13.84%18.77%Beats 89%69 / 629
Total Risk-Based Capital Ratio40.48%11.58%14.43%19.66%Beats 89%69 / 629
Equity / Assets28.99%9.09%10.65%13.80%Beats 91%58 / 629
Liquidity & Funding
Loans / Deposits100.53%67.24%80.90%93.48%87th pctl76 / 594
Loans / Assets69.55%53.31%67.71%78.15%55th pctl284 / 629
Brokered Deposits / Depositsn/aNot reported for this institution